The second one sounds like what they ought to be able to buy to my ears. $100k after taxes is $65? Maybe less? $650 after 20% does is $520 to pay off? I know

The second one sounds like what they ought to be able to buy to my ears. $100k after taxes is $65? Maybe less? $650 after 20% does is $520 to pay off? I know there is no magical answer but that feels right to me if I were a homeowner.